Управление на рисковете в Токуда Банк АД
Risk Management in Tokuda Bank AD

Author(s): Zornitsa Yonkova
Subject(s): Politics / Political Sciences, Politics, Economy, Business Economy / Management, Micro-Economics, Economic policy, Financial Markets
Published by: Университет за национално и световно стопанство (УНСС)
Keywords: Tokuda; credit risk; market risk; operational risk; liquidity risk
Summary/Abstract: Tokuda Bank AD is a commercial bank that carries out banking activities in the Republic of Bulgaria and abroad. The main shareholder is “Tokushukai Incorporated”, which owns 99.94% of the share capital. For risk management, it applies reliable control systems for identifying, assessing and reducing risk. The organizational structure covers all categories of risks to which the bank is exposed. Credit risk is the largest and indicates that the bank must analyze the creditworthiness of its customers. The second type is market risk, for which the ratio of assets in the bank and receivables from non-financial enterprises is determined. The third type is liquidity risk, which is associated with the probability that the bank cannot convert a sufficient amount of its assets into liquid ones. The fourth type is operational risk, for which the bank uses a system for classifying losses incurred as a result of a different combination of factors that lead to an operational event.

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